LAMI CLEAN
ActiveThe computed 12-month bankruptcy probability of LAMI CLEAN is 1.8% (moderate). The 2025 annual accounts show equity of €106k and a net result of €43k. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 1193 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+17
Growth78▲+26
Stability94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.65 in 2024), and 43.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
56.8%
Return on assets
23.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
70 d late
2022
31 d late
2021
75 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€106k▲ 68.3%
2024 · €63k
2021: €22k
2022: €46k
2023: €46k
2024: €63k
2021 → 2025
Total assets
€186k▲ 30.0%
2024 · €143k
2021: €136k
2022: €137k
2023: €132k
2024: €143k
2021 → 2025
Net result
€43k▲ 60.7%
2024 · €27k
2021: €27k
2022: €24k
2023: €1k
2024: €27k
2021 → 2025
Working capital
€86k▲ 92.8%
2024 · €45k
2021: €-14k
2022: €15k
2023: €21k
2024: €45k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€46k▲ 106%€46k=€63k▲ 36.2%€106k▲ 68.3%
Operating result€39k-€38k▼ 2.0%€7k▼ 81.7%€43k▲ 513%€62k▲ 45.9%
Net result€27k-€24k▼ 12.9%€1k▼ 95.1%€27k▲ 2,199%€43k▲ 60.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 46% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€37k▲ 25.7%
Current assets
€149k▲ 31.3%
Equity and liabilities €186k
Equity
€106k▲ 68.3%
Debt
€80k=
The debt ratio falls from 56.1% to 43.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€82k▲
2024 · €63k
Cash flow
€62k▲
2024 · €47k
Solvency
56.8%▲
2024 · 43.9%
Current ratio
2.37▲
2024 · 1.65
Quick ratio
2.37▲
2024 · 1.65
Debt / equity
0.76▼
2024 · 1.28
ROE
40.6%▼
2024 · 42.5%
ROA
23.1%▲
2024 · 18.7%
Interest coverage
13.71▲
2024 · 9.22
Debt
€80k=
2024 · €80k
Debt ≤ 1 year
€63k▼
2024 · €69k
Debt > 1 year
€18k▲
2024 · €12k
Income taxes
€13k▲
2024 · €9k
Staff costs
€520k▲
2024 · €461k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€143k€186k▲
Formation expenses20€184-
Fixed assets21/28€30k€37k▲
Intangible fixed assets21€2k-
Tangible fixed assets22/27€27k€37k▲
Plant, machinery and equipment23€3k€24k▲
Furniture and vehicles24€5k€868▼
Leasing and similar rights25€20k€13k▼
Current assets29/58€113k€149k▲
Amounts receivable within one year40/41€81k€79k▼
Trade receivables40€77k€77k=
Other amounts receivable41€4k€2k▼
Current investments50/53-€70k
Cash at bank and in hand54/58€32k-
Deferred charges and accrued income490/1€635-
Equity and liabilities
Total equity and liabilities10/49€143k€186k▲
Equity10/15€63k€106k▲
Contributions10/11€1k€1k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€17k€60k▲
Amounts payable17/49€80k€80k=
Amounts payable after more than one year17€12k€18k▲
Financial debts170/4€12k€18k▲
Amounts payable within one year42/48€69k€63k▼
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€31k€34k▲
Taxes450/3€2k€1k▼
Remuneration and social security454/9€28k€32k▲
Other amounts payable47/48€10k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€1k€5k▲
Remuneration, social security and pensions62€461k€520k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-432
Other operating charges640/8€2k€3k▲
Gross operating margin9900€525k€605k▲
Operating profit (loss)9901€43k€62k▲
Financial income75/76B€20€0▼
Recurring financial income75€20€0▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€36k€56k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€27k€43k▲
Profit (loss) for the period to be appropriated9905€27k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€60k▲
Profit (loss) brought forward from the previous period14P-€17k
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
Social balance
Average headcount (FTE)9087-12.6
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €43k ▲60.7%
Operating result €62k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲68.3%
5 profitable years in a row build equity to €106k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Weakest financial yearnet €1k ▼95.1%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wervik · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Schendekouterstraat 188940 WervikGround area
5,137 m²
Building footprint
248 m²
Volume, LiDAR
1,088 m³
Parcel 33009D0450/00C000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LAMI CLEAN
since 20202.308.244.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33009D0450/00C000 | Flanders | 5,137 m² | 1 · 247 m² | 6.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 99 EUR awarded · 80 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 99 EUR | 80 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,273 companies in sector 81210 we hold annual accounts for 2,691. 2,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2020
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.